Best Health Insurance Plans To Buy In India In 2022

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Medical costs are on the rise and a medical insurance cover has grow to be needed for people and families to cover emergency medical expenses. A medical insurance plan provides protection against high medical charges, hospitalisation expenses, pre-medical, and posts medical expenses.

Nonetheless, you must understand the inclusions, exclusions, terms, features, etc., while selecting a medical insurance plan.

To make it easier to in the method, listed below are a few of the most effective Health Insurance Policies of 2022 in India.

1. Aditya Birla Activ Health Platinum Plan

This insurance policy covers Rs 2 lakh to Rs 2 crore in medical expenses and there are 10,000 plus Network Hospitals within the network.

The Aditya Birla Activ Health Platinum plan is a superb option for people who’re searching for a comprehensive plan for self because it includes many advantages suitable for them.

Key Features of the plan:

It covers 60 days of pre and 180 of post-hospitalisation costs and covers chronic conditions resembling diabetes, asthma, hypertension from day considered one of the policy.

It covers costs related to tests, consultation, and medicine. Also, illness, obesity treatment, home treatment is roofed as much as the sum insured.

The policy has an outpatient department (OPD) coverage of Rs 1,000 (available for sum insured of Rs 15 lakh and beyond).

2. STAR Health’s Senior Residents Red Carpet Health Policy

The policy cover is Rs 1 lakh to Rs 25 lakh, Network Hospitals: 12,000 plus

This policy is specially designed for senior residents of age 60 years and above. Other medical insurance plans often have an age cap of 65. The policy has tenure options of 1, two and three years, which is on the market on individual and family floater basis.

Key Features of the plan:

No pre-insurance medical test is required and a large sum insured coverage of as much as Rs 25 lakh is provided.

It includes coverage for day care procedures, surgeries, modern treatments resembling deep brain stimulation, robotic surgeries, intra vitreal injections, bronchial thermoplasty, and others.

The policy covers pre-existing illnesses from the second yr of the policy.

3. ICICI Lombard’s Complete Health Insurance Policy

The policy cover is Rs 1 lakh to Rs 50 lakh and Network Hospitals: 6,500 plus

The ICICI Lombard Complete Health Insurance plan is a comprehensive health policy for a person and for family, with different sub-plans.

It covers pre-existing diseases after two years from the policy start date (available on a plan with sum insured of Rs 3 lakh and above)

No co-pay or pre-medical check-up is required for policyholders till the age of 45.

Two complimentary health check-up coupons are provided every yr for a family floater plan.

4. Star Family Health Optima

The policy cover is Rs 1 lakh to Rs 25 lakh, Network Hospitals: 12,000 plus

The policy gives protection to your complete family on a family floater basis at an inexpensive premium.

Key features of the plan

The insured sum insured is mechanically increased by 25 percent (as much as 5 lakhs) if the policyholder meets with an accident (subject to add-ons).

In case the policyholder fails to renew the plan, then they’ve 120 days’ grace period to renew it.

It covers hospitalisation cost, including room charges, medicine, and medicines. Also, 10 percent of the sum insured is allocated for expenses resembling emergency ambulance charges and air ambulance expenses.

It covers 60 days of pre-hospitalisation and 90 days’ post-hospitalisation expenses. It covers organ transplant expenses as much as Rs 1 lakh.

5. HDFC ERGO Health Suraksha

This policy covers Rs 3 lakh to Rs 10 lakh and Network Hospitals: 13,000 plus

This insurance plan offers optimised coverage at an inexpensive rate with none age restriction.

Key features of the plan:

The policy covers day care, Ayush treatment, organ donation expenses

It offers maternity advantages, newborn baby cover together with mental healthcare and air ambulance expenses.

Pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days are covered.

(Edited by : Sudarsanan Mani)

First Published: Jul 06, 2022, 03:02 PM IST

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